First, stick to using credit cards and accumulate credit lines.
Faced with such a serious problem, the first thing the cardholder should do is not cancel the card, but continue to use the credit card. It will be very difficult to apply for a peer card or other bank's credit card if the cardholder returns the card at one time and it is overdue for 38 months. In other words, the cardholder will become a bank black account.
Sticking to the use of credit cards can not only ensure that cardholders can use credit cards normally, but also re-accumulate credit and refresh bad credit records if cardholders can pay attention to details and form good habits after using credit cards.
Second, verify the situation and clarify the responsibilities.
If it is overdue, the bank fails to inform the cardholder of the account problem in time. If this is the case, the cardholder can find out the negligence of the bank and complain to the relevant departments. Because it is not a malicious breach of contract and there is a repayment record, the bank can cancel the overdue record.
Third, the good habit of repayment as required.
Finally, the cardholder still has to bear certain responsibilities. Before each repayment, you should pay according to the statement issued by the bank, not according to your own consumption impression. Because other businesses, such as credit card withdrawal, annual fee, SMS notification, etc., may generate other expenses other than credit card consumption, and these expenses need to be repaid in full, so there is no problem of low repayment.